LIMITATION PRE-EXISTING CONDITIONS: An Insured will be considered to have a Pre-existing Condition and will be subject to the Pre-existing Conditions Limitation if: (1) the disability begins in the first twelve (12) months after the Insured's effective date; and (2) he/she has received medical Treatment, consultation, care or services, including diagnostic procedures, or took prescribed drugs or medicines for the Sickness or Injury, whether specifically diagnosed or not, causing such disability, during the three (3) months immediately prior to the Insured's effective date of insurance. Weekly Income Benefits will not be paid for a disability: (1) caused by; (2) contributed to by; or (3) resulting from a Pre-existing Condition unless the Insured has been Actively at Work for one (1) full day following the end of twelve (12) consecutive months from the Insured's effective date of insurance. With respect to persons electing a benefit increase (whether an increase from coverage under a prior plan, if applicable or under this Policy), any benefit increase will not be paid for a disability: (1) caused by; (2) contributed to by; or (3) resulting from a Pre-existing Condition unless the Insured has been Actively at Work for one (1) full day following the end of twelve (12) consecutive months from the effective date of the increase. An Insured will be considered to have a Pre-existing Condition and will be subject to the Pre-existing Conditions Limitation due to a benefit increase if: (1) the disability begins in the first twelve (12) months after the effective date of the increase; and (2) he/she has received medical Treatment, consultation, care or services, including diagnostic procedures, or took prescribed drugs or medicines for the Sickness or Injury, whether specifically diagnosed or not, causing such disability, during the three (3) months immediately prior to the effective date of the increase. With respect to persons electing to change their level of coverage during an approved enrollment period, any benefit increase (due to this change) will not be paid for a disability: (1) caused by; (2) contributed to by; or (3) resulting from a Pre-existing Condition unless the Insured has been Actively at Work for one (1) full day following the end of twelve (12) consecutive months from the effective date of the increase. A Pre-existing Condition means any Sickness or Injury for which the Insured received medical Treatment, consultation, care or services, including diagnostic procedures, or took prescribed drugs or medicines for the Sickness or Injury, whether specifically diagnosed or not, causing such disability, during the three (3) months immediately prior to the effective date of the increase (with respect to any increase in benefits). LRS-6451-228-0406 Page 11.0